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Open banking is transforming the way financial institutions access and utilize customer data. CRIF’s open banking solutions empower banks, NBFCs and fintechs to leverage real-time financial insights for faster credit decisions, personalized engagement and better risk management—all while ensuring compliance and data security.
Access a customer’s real-time bank transactions, income patterns, spending behaviour and repayment capacity—all in a structured, easy-to-use format. Our AI-driven categorization engine converts raw bank statements into meaningful insights, helping you make informed credit decisions.
With CRIF’s open banking framework, lenders can assess an applicant’s creditworthiness based on their actual cash flows and financial habits, making lending more inclusive especially for new-to-credit and thin-file customers.
Reduce turnaround time with automated income verification, affordability analysis and fraud detection. Whether it’s a personal loan, SME credit, or mortgage, our solution enhances pre-approved loan journeys and helps lenders disburse credit with confidence.
Lending doesn’t stop at disbursement. With real-time financial monitoring, CRIF helps lenders track borrower health, predict delinquencies and take proactive steps to manage risk. Our open banking insights support early warning systems and enable personalized repayment strategies, leading to better collections and lower NPAs.
Leverage transaction data to offer customers tailored financial products, next-best offers and contextual nudges. From spend analysis to financial wellness tools, our open banking ecosystem helps you engage customers beyond lending, enhancing lifetime value.
Trusted by top banks, NBFCs and fintechs worldwide.
Advanced categorization and risk assessment models.
Built with data privacy at the core, aligned with RBI guidelines.
Seamless deployment with minimal tech effort.
Get the data-driven edge you need for faster approvals, better risk management and deeper customer relationships.
